BWXT Y•12 - About Your Benefits

Your benefits have been designed to protect you and your family during your retirement years and to work with other sources of income to offer financial stability.

Highlights

Your Benefits...

… Offer Medical and Dental Coverage for You and Your Family
If you retired under the pension plan, you and your Eligible Dependents who are under age 65 may continue the coverage under the medical and dental plans you had prior to retirement.

If you retired under the pension plan, and are age 65 or over and are enrolled in Medicare Part A and Part B (but not Part D), you may enroll in the Major Medical Medicare Supplement Plan and the UnitedHealthcare dental/vision plan. Upon reaching age 65, your spouse may also be eligible to participate in these plans.

… Allow You to Continue Your Life Insurance Coverage
You may continue your basic life insurance during your retirement. The amount of coverage available to you and the cost of your coverage depends on your age and your earnings just before you retired.

… Provide You With Retirement Income
Your savings program and pension plan benefits work with your Social Security benefits and your personal savings to provide your retirement income.

The term "Company" refers to BWXT Y -12, LLC or UT-Battelle, LLC.
Other terms are defined in the “Glossary” section.

Eligibility

For You — Under Age 65 Retiree
If you are under age 65 and are retired under the Company’s pension plan, you are eligible for the following benefits:

Medical (including prescription drugs and vision care)
Dental
Long Term Care Insurance (requires acceptable statement of health)
Basic Life Insurance (provided you had this coverage immediately prior to retirement)
Supplemental Life Insurance (provided you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001)
Pension Plan
Savings Program (provided you have a deferred account balance).

For You — Over Age 65 Retiree
If you are over age 65 and are retired under the Company’s pension plan, you are eligible for the following benefits:

Major Medical Medicare Supplement Plan (provided you are enrolled in Medicare Part A and Part B, but not Part D, and had employer-provided medical coverage immediately prior to age 65).

Note: This plan provides prescription drug coverage administered by Medco. The Major Medical Medicare Supplement Plan is not available if you have Medicare Part D prescription drug coverage.

Dental and Vision combined
Long Term Care (requires acceptable statement of health)
Basic Life Insurance (provided you had this coverage immediately prior to retirement)
Supplemental Life Insurance (provided you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001)
Pension Plan
Savings Program (provided you have a deferred account balance).

For Your Dependents
You may enroll your spouse and other Eligible Dependents for coverage, according to the following guidelines:

Medical, Prescription Drugs, Vision and Dental

Your spouse is under age 65 and you are over age 65 — Your spouse and other Eligible Dependents may continue the medical plan (including prescription drugs and vision care) and the dental plan until your spouse reaches age 65. You must be covered in the plan in order for a spouse or child to be covered as your dependent in the medical or dental plan. If a Retiree marries after his/her retirement effective date, any newly acquired dependents are not eligible for medical or dental coverage. Likewise, a surviving spouse cannot add dependents after the Retiree’s death.

Your spouse is over age 65 and you are under age 65 — Your spouse and other Eligible Dependents may continue the medical plan (including prescription drugs and vision care) and the dental plan until you reach age 65. You must be covered in the plan in order for a spouse or child to be covered as your dependent in the medical or dental plan. Your spouse must be enrolled in Medicare Part A and Part B (but not Part D). Medicare will pay eligible medical expenses as primary payor for your spouse. If a Retiree marries after his/her retirement effective date, any newly acquired dependents are not eligible for medical or dental coverage. Likewise, a surviving spouse cannot add dependents after the Retiree’s death.

Your spouse is over age 65 and you are over age 65 — The following rules apply to the Major Medical Medicare Supplement Plan (medical and prescription drugs):

Your spouse may enroll if both of you are enrolled in Medicare Part A and Part B (but not Part D).
You can enroll only yourself, or yourself and your spouse, when you or your spouse first become eligible at retirement. Dependents acquired after retirement are not eligible.
You and your spouse must have been covered under the Company’s or another employer’s medical plan when you reach age 65. Proof of continuous coverage since your retirement is required.

If you cancel coverage on yourself, your spouse’s coverage will also be canceled. You cannot re-enroll at a later date.
If you or your spouse enroll in a Medicare Part D prescription drug plan, your Company coverage will be canceled and you cannot enroll at a later time.
You can continue Company coverage for yourself but your spouse cannot be covered if you are not enrolled.
A covered spouse can continue coverage at the Retiree’s death under single only coverage. A dependent who is later acquired is not eligible.
A spouse who is also an active Employee or Retiree has individual eligibility rights.

The following rules apply to the dental plan (dental and vision):

All Retirees and surviving spouses may enroll, regardless of coverage status under the Major Medical Medicare Supplement Plan.
A Retiree may elect single only coverage, or dual coverage which also covers the spouse. A spouse cannot enroll unless the Retiree is covered.
A surviving spouse may only enroll under single coverage.
The Company does not contribute to the cost of coverage.

Long Term Care

Your spouse is under or over age 65 — Your spouse is eligible to apply for long term care insurance at any age. You do not have to be enrolled in the plan. A surviving spouse can also apply. You and your spouse must complete a statement of health and be approved for the coverage.

The terms “Eligible Dependents” and “Child” are defined in the Glossary.

Medical (including prescription drugs and vision care) and dental coverage may be continued for an unmarried child who is incapable of self-support due to a physical or mental handicap that began before he or she reached age 24, provided you submit proof of the child’s disability to the insurance company within 30 days after the child reaches age 24. Additional proof of the child’s continuing disability will be required periodically.

Additional proof of the child's continuing disability will be required periodically. When your dependents are no longer eligible for health care coverage, they may be eligible to continue coverage for up to 36 months under COBRA. Refer to the "Administrative Information" section for information on COBRA.

The following chart provides a snapshot of who is eligible for each benefit plan, providing the eligibility requirements are met:

Eligibility ... At a Glance
Benefit Plan	Who Is Eligible
	Retirees Only (Regardless of Age)	Retirees and Dependents Under Age 65	Retirees and Spouse Over Age 65
Medical (including Prescription Drugs and Vision Care)		X
Major Medical Medicare Supplement Plan (including Prescription Drugs)1			X
Dental2		X	X
Long Term Care		X	X
Basic and Supplemental Life Insurance3	X
Savings Program4	X
Pension Plan5	X
1 Must be enrolled in Medicare Part A and Part B, but not Part D, prescription drug plan. 2 Over Age 65 plan includes dental and vision coverage. The dental plans for Retirees and Eligible Dependents under age 65 and the dental plan for Retirees and spouses over age 65 are separate and unique plans, as describe in the “Dental Plan” section of this book. 3 You are eligible for basic life insurance only if you had this coverage immediately prior to retirement. You are eligible for supplemental life insurance only if you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001. 4 You are eligible to continue your participation in the savings program only if you have a deferred balance; you may not make contributions to the savings program after retirement. 5 Your participation in the Pension Plan will automatically continue until you die (or until your survivor dies if you have elected a form of payment that provides a survivor benefit).

Enrollment

Under Age 65 Retiree and Dependents

Medical Coverage (including Prescription Drugs and Vision) and Dental Coverage:

You may continue medical and dental coverage for yourself, your spouse, and eligible children.
If you are under age 65 and your spouse is over age 65, you may cover your spouse under your plan. Your spouse must be enrolled in Medicare Part A and Part B (but not Part D).
If you marry after your retirement effective date, you cannot add your newly acquired spouse or children to your medical or dental retiree coverage, nor will they be eligible at open enrollment.
A surviving spouse may continue his/her medical and dental coverage if he/she gets married, but the newly acquired spouse or children cannot be added.
If you are under age 65 and have dental coverage when you retire, but elect to cancel the dental coverage at retirement because of coverage under another employer’s group dental plan, you may later enroll in the Company dental plan if you lose coverage under that employer’s plan. You must show proof of loss of coverage and enroll within 30 days of the date of coverage loss.
If you are under age 65 and do not continue medical coverage at retirement, you may enroll during the annual Open Enrollment period each October or November, if eligible. Your coverage will be effective on the following January 1.
A spouse or child cannot be covered under the medical or dental plan unless the Retiree is covered.
You and your spouse must have continuous medical coverage under the Company plan or another employer’s plan to be eligible to participate in the Major Medical Medicare Supplement Plan upon reaching age 65.

Enrollment forms are available from the Benefit Plans Office. You must enroll for medical and dental and continuation of your basic life insurance within 30 days of retirement.

Over Age 65 Retiree and Dependents

Medical Coverage (including Prescription Drugs) and Dental Coverage (including Vision):

You and your spouse must be covered for Medicare Part A and Part B (but not Part D prescription drug coverage) in order to be eligible for the Major Medical Medicare Supplement Plan.
If you or your spouse enroll in Medicare Part D prescription drug coverage, you will be dropped from the Major Medical Medicare Supplement Plan and cannot ever re-enroll again.
You must enroll in the Major Medical Medicare Supplement Plan within 30 days of your 65th birthday, or within 30 days of your retirement date if you retire after age 65. Enrollment forms are available from the Benefit Plans Office. To enroll, you must elect coverage for yourself only or for you and your eligible spouse. You must authorize the Company to deduct your share of the cost of the coverage you elect from your pension payments. If you fail to give this timely authorization on the enrollment form, neither you nor your spouse will be covered.
If you or your surviving spouse cancels dental/vision coverage or the Major Medical Medicare Supplement Plan, or if your medical coverage is dropped because you are covered under the Medicare Part D prescription drug plan, you or your surviving spouse cannot re-enroll at a later time.
An eligible spouse cannot be covered under the medical or dental/vision plan unless the Retiree is covered. This applies if you are a Retiree or an over or under age 65.
A surviving spouse may continue medical or dental/vision coverage upon remarriage but cannot add the new spouse. This applies to a surviving spouse of a Retiree regardless of the age at remarriage.
A Retiree or surviving spouse may enroll in the dental/vision plan, or the medical plan, or both.

Enrollment forms are available from the Benefit Plans Office. You must enroll for medical and dental and continuation of your basic life insurance within 30 days of retirement.

When You May Change Your Elections
There are limited circumstances under which you may change your benefit elections. You may change most savings program elections at anytime by calling the CitiStreet Information Line. In addition, you can drop your medical, dental or group life coverage at any time by signing a cancellation form. Cancellation forms are available from the Benefit Plans Office.

The term “Retiree” is defined in the Glossary.

Changes at Other Times

Qualifying Life Events
An individual may make a mid-year election change when it is because of and consistent with a qualifying life event or when certain significant changes in cost or in coverage occur.

A qualifying life event includes:

legal separation, annulment, or divorce
the death of your spouse or child
the birth or adoption (or placement for adoption) of your child
the loss or gain of benefit eligibility of your child
the termination or commencement of employment of you or your spouse or child
for active employees: a reduction or increase in hours of employment of you or your spouse or child, including a switch between part-time and full-time, a strike or lockout, or commencement of or return from unpaid leave of absence
a change in health coverage due to your spouse’s employment
a “special enrollment period” under the group health plan as required by law
a qualified medical child support order that requires your child to be covered under the group medical and/or dental plan
you or your spouse or child becomes eligible (or loses eligibility) for Medicare or Medicaid

involuntary loss of other group health plan coverage.

REMINDER: Enrollment forms must be completed AND submitted to the Benefit Plans Office within 30 calendar days of any qualifying life event. THIS INCLUDES THE BIRTH OF A NEWBORN. Otherwise, you will have to wait until Open Enrollment to enroll and the coverage will not be effective until the next January 1.

Here are a few examples of election changes that are consistent with a qualifying life event and plan eligibility rules:

With This Event	You Can Make These Changes
You have a qualifying life event, such as: divorce or legal separation birth or adoption death change in your spouse’s employment status	Medical Plan Major Medical Medicare Supplement Plan Dental Plan	If you were previously enrolled for coverage, you can add dependents (consistent with the family status change and subject to eligibility limits of each plan) or drop coverage or dependents Note: You cannot add a spouse or child to your medical or dental coverage due to re-marriage after retirement.
You experience a loss of other employer-provided medical or dental coverage	Medical Plan Major Medical Medicare Supplement Plan Dental Plan	Add coverage by providing proof of the coverage loss within 30 days of the loss
You move outside a point-of-service network	Medical Plan	Change coverage to the CIGNA Indemnity Plan
Benefit changes must be requested within 30 days of the qualifying life event by completing a change form and returning it to the Benefit Plans Office. However, there is one exception: you have up to one year to enroll a newborn for MetLife dental coverage and three years to enroll a newborn for Delta Dental coverage. All changes are effective on the date of the event.

How Changes Affect Your Benefits

Steps to Take If You Get Married ...

Notify the Benefit Plans Office to update your retirement records if your name changes. In addition, make sure the Benefit Plans Office knows of any address changes.

Notify the Social Security Administration of any name changes.

Change your benefit elections within 30 days of your marriage. Note: You cannot add a spouse or children to your medical or dental coverage as a result of you remarrying after retirement.

Update your savings program beneficiary records. Keep in mind that if you have been married for at least one year and you want to designate someone other than your spouse as your beneficiary, you must have your spouse’s written and notarized consent. Contact CitiStreet or the Benefit Plans Office for more information.

Make any beneficiary change to your life insurance.

Steps to Take If You Get Divorced …

Notify the Benefit Plans Office to update your retirement records if your name changes. Make sure the Benefit Plans Office knows of any address changes.

Notify the Social Security Administration of any name changes.

You must change your benefit elections within 30 days of the date your divorce is final. A copy of the divorce decree is required when you drop coverage for your ex-spouse. You or your ex-spouse has 60 days to notify the Benefit Plans Office in order to obtain COBRA benefits. Refer to the “Administrative Information” section for more information.

Add your Eligible Dependents to your medical and dental coverage if a court establishes that you must provide coverage for dependent children.

Update your life insurance and savings program beneficiary records. Life insurance forms are available from the Benefit Plans Office. You can request a savings program beneficiary form by calling the savings program information line.

Contact the Benefit Plans Office if you think a court may issue a qualified domestic relations order (or “QDRO”) granting your former spouse the right to receive any pension or savings benefits. You will be sent important information about the procedures and requirements for QDROs.

Steps To Take If You Are Expecting or Adopting a Child

If You or Your Spouse is Pregnant …
Both men and women should contact the Benefit Plans Office and ask about the steps you need to take, and deadlines you need to meet, to add your baby to your coverage. This will help you maximize your available benefits.

In-Network Benefits
Schedule prenatal appointments. You will pay a physician office copayment only at the initial visit under the point-of-service plans.

Interview and choose a network pediatrician for your child to receive in-network benefits after your child is born. Well-child care and immunizations are covered only when you receive them from a network pediatrician. Your baby’s first visit will be in the hospital after delivery, so consider choosing a pediatrician who has admitting privileges at your hospital to ensure that you receive in-network benefits for that visit.

YOU MUST COMPLETE AND RETURN ENROLLMENT FORMS WITHIN 30 DAYS OF THE BIRTH OR THE BABY WILL NOT BE COVERED — no exceptions.

Your OB/GYN will precertify your hospital or birthing center admission.

Present your medical ID card when you are admitted to the hospital or birthing center. You may have to pay your share of the hospital cost at admission.

Before the fourth month of pregnancy, you should call CIGNA Member Services to precertify your maternity admission. Refer to the back of your identification card for contact information.

If You Adopt a Child …
Interview and choose a pediatrician. If you are in a Point-of-Service Plan, you must choose a primary care physician for your child from the provider directory to receive in-network benefits, including coverage for well-child care.

When Your Child Arrives

Enroll your newborn or newly adopted Child for medical benefits within 30 days so your Child’s medical expenses will be covered from the date of birth or adoption. You have up to age one to enroll the Child for dental coverage under MetLife and up to age three under Delta Dental. Call the Benefit Plans Office to request a change form or print a form from your Company’s benefit forms web page.

Steps to Take If You Die
When you die, your family member should notify the Benefit Plans Office of your death. Benefit Plans will assist your family members in completing the appropriate forms.

Steps to Take If You Lose a Spouse or Child
When you lose a spouse or child, you should notify the Benefit Plans Office.

Change your medical and dental coverage within 30 days of the death, if coverage changes are appropriate.

Review your beneficiary elections for life insurance and the savings program.

Steps to Take If You or Your Spouse Is Admitted to a Long Term Care Facility
When you or your spouse are admitted to along term care facility, contact the Benefit Plans Office. Changes in your medical or prescription drug plan may be necessary.

What Happens to Your Benefits If You Die
Here is what happens to your benefits if you die:

Medical (Including Prescription Drugs and Vision Care) and Dental
If your spouse is under age 65, he or she may continue medical coverage (including prescription drugs and vision care) and/or dental coverage by paying the appropriate premiums (full premium cost if you had less than 10 years of full-time service when you retired; retiree share of premium cost if you had more than 10 years of full-time service when you retired).

Your spouse can continue this coverage until he or she becomes age 65. At age 65, your surviving spouse may transfer to the Major Medical Medicare Supplement Plan.

If, when you die, you do not have a spouse but have other Eligible Dependents, your Eligible Dependents may continue their coverage through COBRA. Refer to the “Administrative Information” section for more information on COBRA.

Major Medical Medicare Supplement Plan
If your spouse is age 65 or over, your spouse may elect to remain in the plan, subject to plan qualifications and plan continuation.

Long Term Care
Your spouse may continue his or her coverage by paying monthly premiums to the insurance company.

Life Insurance
Your beneficiary will receive a basic life insurance benefit and a supplemental life insurance benefit, depending on the coverage you were eligible for and elected.

Pension Plan
Your surviving spouse/beneficiary will receive any survivor benefit. The Benefit Plans Office will contact your beneficiary to provide information about any plan benefits that might be payable.

Savings Program
Your beneficiary may receive your full account balance in a lump sum. However, your spousal beneficiary may choose either a lump-sum payment or monthly installment payments over a five-year period. Your spousal beneficiary may also elect to defer payment until the latest date permitted by the tax law.

When Coverage Begins

Your coverage will begin according to the chart on the following page, provided you meet the plan’s eligibility requirements. With the exception of the Major Medical Medicare Supplement Plan, any coverage you elect for your Eligible Dependents will begin on the same day your coverage begins. Major Medical Medicare Supplement Plan coverage for your enrolled spouse will begin on the first of the month following your spouse’s 65th birthday.

Benefit Plan	Your Coverage Will Begin …
Medical (including Prescription Drugs and Vision Care)	Retiree or spouse under age 65, Retiree under age 65 with spouse over age 65: If you had coverage immediately prior to retirement, coverage continues at retirement provided you elected to continue your coverage. If you did not have coverage at retirement, your coverage will begin on the day you provide proof of prior medical coverage under another employer's plan.
Major Medical Medicare Supplement Plan	Retiree and spouse over age 65: Coverage begins on the first day of the month after you retire (or on your retirement date if it falls on the first of the month) or the first day of the month following your 65th birthday if you are under age 65 on your retirement date, provided you enroll within 30 days of becoming eligible. If you enroll more than 30 days after you first become eligible, or during a special enrollment period, your coverage will be effective on the first of the month after 30 days from date of enrollment. Prior employer-provided medical coverage is required.
Dental – MetLife or Delta Dental	Retiree or spouse under age 65, Retiree under age 65 with spouse over age 65: If you had coverage immediately prior to retirement, coverage continues at retirement provided you elected to continue your coverage. If you did not have coverage prior to retirement, your coverage will begin on the day you provide proof of loss of prior dental coverage under another employer's plan.
Dental/Vision – UnitedHealthcare	Retiree or spouse over age 65: If you had prior employer-provided dental coverage immediately prior to retirement, you must enroll within 30 days of retirement, and the plan’s pre-existing condition waiting period will be waived. If you did not have prior employer-provided dental coverage immediately prior to retirement, you must enroll within 30 days of retirement, and the pre-existing condition waiting period must be satisfied. Coverage begins on the first day of the month after you retire (or on your retirement date if it falls on the first of the month) or the first day of the month following your 65th birthday if you are under age 65 on your retirement date, provided you enroll within 30 days of becoming eligible. If you enroll more than 30 days after you first become eligible, or during a special enrollment period, your coverage will be effective on the first of the month after 30 days from date of enrollment.
Long Term Care	Retiree and spouse: With a statement of health, coverage begins on the first of the month following the date the insurance company approves your request for enrollment.
Basic Life Insurance	Retiree only: If you had basic life insurance coverage immediately prior to retirement, your full coverage will continue until you are age 65 provided you elected to continue this coverage at retirement. At age 65, a reduced amount of coverage continues.
Supplemental Life Insurance	Retiree only: If you had supplemental life insurance coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001, your full coverage will continue until you are age 65 provided you elected to continue this coverage at retirement. Otherwise, supplemental life insurance ends on the date your employment terminates.
Savings Program	Retiree only: Participation continues if you chose to defer receiving your account when you retired. You may not make contributions to the savings program on or after your retirement date.
Pension Plan	Retiree only: Plan benefits begin the first of the month after you retire unless you chose to defer your benefit. Employees who retire with less than full pension benefits can defer their benefit until they are eligible for a full benefit.

If you change your elections because of a qualifying life event, the changes will be effective on the date of the qualifying life event or as stated by individual plan rules, provided you turn in a change form to the Benefit Plans Office within 30 days of the event.

Paying for Your Benefits

For some benefits, such as the pension plan, the Company pays the full cost. For other benefits, you and the Company share the cost or you pay the full cost of coverage.

Benefit Plan		The Company pays the full cost of coverage	You share the cost of coverage with the Company	You pay the full cost of coverage
Medical (including Prescription Drugs and Vision Care)
	If you had at least 10 years of full-time service when you retired		X
	If you had less than 10 years of full-time service when you retired			X
Major Medical Medicare Supplement Plan
	If you had at least 10 years of full-time service when you retired		X
	If you had less than 10 years of full-time service when you retired			X
Dental (under age 65)
	If you had at least 10 years of full-time service when you retired		X
	If you had less than 10 years of full-time service when you retired			X
Dental/Vision (over age 65)				X
Long Term Care				X
Basic Life Insurance
	Full amount (before age 65)		X
	Reduced amount (at age 65 and over)	X
Supplemental Life Insurance
	Full amount (before age 65)			X
	Reduced amount (at age 65 and over – if eligible)	X
Pension Plan		X
Savings Plan			X